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2026 Employee Benefits Guide
📋 Benefits Overview
Your employer offers a comprehensive benefits package including health coverage, ancillary benefits, and tax-advantaged savings options. Review each section of this guide carefully to make the best decisions for you and your family.
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💰 Health Reimbursement Arrangement (HRA)
What is an HRA?
A Health Reimbursement Arrangement (HRA) is an employer-funded account that reimburses you for eligible medical expenses. The employer contributes funds on your behalf — you don't pay anything into this account.
How Does It Work?
When you have eligible medical expenses, you submit them for reimbursement from your HRA. The funds are tax-free to you, helping you save money on healthcare costs.
💵 Annual Employer Contribution
✓ Eligible Expenses Include:
- Medical deductibles
- Copays and coinsurance
- Prescription medications
- Dental expenses
- Vision expenses
- Mental health services
📌 Important HRA Information
Unused funds roll over year to year. No employee contributions required - this is 100% employer funded.
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🏦 Health Savings Account (HSA)
What is an HSA?
A Health Savings Account (HSA) is a tax-advantaged savings account you can use to pay for qualified medical expenses. Unlike an HRA, YOU own this account and can contribute to it along with your employer.
Triple Tax Advantage
1) Contributions are tax-deductible
2) Money grows tax-free
3) Withdrawals for medical expenses are tax-free
📊 2026 IRS Contribution Limits
Catch-up contribution: Additional $1,000 for age 55+
⚠️ HDHP Requirement
You must be enrolled in a High Deductible Health Plan (HDHP) to be eligible to contribute to an HSA. Check with HR to confirm if your plan qualifies.
💼 Employer HSA Contribution
Employee Only: Contact HR | Family: Contact HR
📌 Important HSA Information
Must be enrolled in an HDHP (High Deductible Health Plan) to contribute to HSA. Catch-up contribution of $1,000 available for age 55+.
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🦷 Dental Benefits
| Coverage Tier | Payroll Deduction (Per Pay Period) |
|---|---|
| Employee Only | — |
| Employee + Spouse | — |
| Employee + Child(ren) | — |
| Family | — |
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👁️ Vision Benefits
| Coverage Tier | Payroll Deduction (Per Pay Period) |
|---|---|
| Employee Only | — |
| Employee + Spouse | — |
| Employee + Child(ren) | — |
| Family | — |
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🛡️ Life Insurance Benefits
| Coverage Type | Payroll Deduction (Per Pay Period) |
|---|---|
| Employee | — |
| Spouse | — |
| Child(ren) | — |
| Voluntary/Additional | — |
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🏥 Disability Benefits
| Coverage Type | Payroll Deduction (Per Pay Period) |
|---|---|
| Short-Term Disability (STD) | — |
| Long-Term Disability (LTD) | — |
| STD + LTD Bundle | — |
| Notes/Other | — |
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Provider / Carrier Cheat Sheet
🏥 Enter carrier networks in the Enrollment tab
⚠️ Important: Verify Your Providers
Provider networks are subject to change on a regular basis. It is important to verify providers directly at the carrier websites before enrolling. Contact iPlanRx if you need help finding the right carrier website for verification.
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Medicare & iCHRA — Key Information
📋 Important Steps for Medicare-Eligible Participants
Questions about Medicare & iCHRA?
Direct line to iPlanRx Team
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💳 Flexible Spending Accounts (FSA)
💊 Healthcare FSA
- Medical deductibles & copays
- Prescription medications
- Dental & vision expenses
- Over-the-counter medicines
👨👩👧 Dependent Care FSA
- Licensed daycare centers
- After-school programs
- Summer day camps
- Elder care expenses
💡 How FSA Pre-Tax Savings Work
Contributions are deducted from your paycheck before federal, state, and Social Security taxes are calculated. This lowers your taxable income and puts more money in your pocket.
⚠️ Important: Use It or Lose It
Pre-tax dollars reduce your taxable income. Healthcare FSA may allow up to $640 rollover to next year.
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🏦 401(k) Retirement Plan
Why Participate?
Investing in your retirement today means financial security tomorrow. Take full advantage of employer matching contributions — it's free money added to your retirement savings.
Tax Advantages
Traditional contributions lower your taxable income today. Roth contributions grow tax-free for retirement. Either way, your savings grow faster than a taxable account.
📊 2026 IRS Contribution Limits
🎁 Employer Match
Match: See plan documents | Vesting: See plan documents
Always contribute at least enough to get the full employer match — this is part of your total compensation.
🏛️ Plan Administrator
Contact HR for plan details and enrollment instructions.
📌 Additional Plan Information
Eligible employees may enroll on first day of the month following 30 days of employment. Contact HR for enrollment instructions.
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🧠 Employee Assistance Program (EAP)
📋 Your EAP Benefits
Up to 5 free counseling sessions per issue per year. Covers mental health, financial counseling, legal guidance, and work-life balance support. 100% employer-paid, fully confidential.
🔒 Completely Confidential
EAP services are strictly confidential. Your employer will never know you used these services. This program is 100% employer-paid — there is no cost to you.